CBW Bank
CBW Bank is a US-chartered BaaS sponsor bank that provides embedded banking infrastructure to fintechs and serves as a first-mover settlement partner in Mastercard's regulated stablecoin network across multiple blockchains.
- Company typePrivate
- Founded1892
- HeadquartersWeir, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What CBW Bank does
CBW Bank is a US-chartered community bank headquartered in Weir, Kansas, founded in 1892, that has repositioned itself as a Banking-as-a-Service (BaaS) sponsor bank for fintech companies. It provides embedded banking infrastructure — including deposit accounts, sponsor-bank compliance, and transaction settlement — to fintech and financial institution clients, generating revenue through licensing/service fees and transaction-based income. No public pricing details are disclosed.
The bank's strategic differentiator in 2026 is its role as a first-mover participant in Mastercard's regulated stablecoin settlement network (announced June 3, 2026). Through this integration, CBW enables issuers and acquirers to settle card transactions using regulated stablecoins — specifically USDC, PYUSD, USDG, USDP, RLUSD, and SoFiUSD — across multiple blockchain networks including Arbitrum, Base, Canton, Ethereum, Polygon, Solana, Tempo, and XRPL. The platform supports intraday, weekend, and holiday settlement outside traditional banking hours, addressing liquidity pressure faced by fintechs that historically had to maintain idle balances across markets.
CBW's go-to-market is entirely channel-partner driven: distribution flows through Mastercard's settlement infrastructure rather than direct sales, with operations currently covering the United States and Latin America and further geographic expansion planned through 2026. The bank is among 13 BaaS sponsor banks subject to industry-wide regulatory enforcement actions during the post-Synapse recalibration, and its ownership, headcount, and financial scale are not publicly disclosed. Leadership disclosed is Suresh Ramamurthi as Chairman and CTO.
CBW Bank firmographics
Firmographics- Name
- CBW Bank
- Website
- https://cbwpayments.com
- Company type
- Private
- Founded year
- 1892
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CBW Bank is a US-chartered BaaS sponsor bank that provides embedded banking infrastructure to fintechs and serves as a first-mover settlement partner in Mastercard's regulated stablecoin network across multiple blockchains.
- Ownership category
- akta.pro rank
CBW Bank industry classification
Industry- Product category
- Banking-as-a-Service (BaaS) Sponsor Banking
- NAICS
- Depository Credit Intermediation (5221), Credit Card Issuing (52221), Savings Institutions and Other Depository Credit Intermediation (52218)
- SIC
- National Commercial Banks (6021), Functions Related To Depository Banking, Nec (6099), Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)
- akta.pro secondary industries
- Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ), Tokenized Bank Deposit & Commercial Bank Money Issuers (FSADADAB)
Keywords
Where CBW Bank is headquartered
LocationHeadquarters
- HQ city
- Weir
- HQ country
- United States
- HQ region
- North America
Markets served
CBW Bank business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- BaaS Infrastructure Services: CBW Bank provides Banking-as-a-Service infrastructure enabling fintech companies to offer embedded banking products, generating revenue through licensing and service fees from partner institutions.
- Stablecoin Settlement Transaction Fees: Revenue generated from facilitating stablecoin settlements on behalf of issuers and acquirers within the Mastercard network, with support for intraday, weekend, and holiday settlements.
Go-to-market motion2 records
Distribution channels1 record
Marketing channels1 record
CBW Bank product offering
Product offeringCore offering
CBW Bank is a Banking-as-a-Service (BaaS) sponsor bank that provides banking infrastructure and embedded finance capabilities to fintech companies and financial institutions. Its flagship offering is participation in Mastercard's regulated stablecoin settlement network, enabling issuers and acquirers to settle card transactions using stablecoins such as USDC, PYUSD, USDG, USDP, RLUSD, and SoFiUSD across multiple blockchain networks, with intraday, weekend, and holiday settlement outside traditional banking hours.
Product overview
CBW Bank is a Banking-as-a-Service (BaaS) sponsor bank that provides banking infrastructure and settlement services. The bank participates in Mastercard's stablecoin settlement network, enabling fintechs and financial institutions to settle card transactions using regulated stablecoins outside traditional banking hours. CBW Bank operates as part of the broader BaaS ecosystem, though specific named product modules or digital banking platforms are not detailed in the available source material.
Differentiator
Problem solved
Functional benefit
Products and services
- Stablecoin Settlement Services Settlement of card transactions using regulated stablecoins (USDC, PYUSD, USDG, USDP, RLUSD, SoFiUSD) across multiple blockchain networks including Arbitrum, Base, Canton, Ethereum, Polygon, Solana, Tempo, and XRPL. Supports intraday, weekend, and holiday settlement outside traditional banking hours for issuers, acquirers, and fintechs.
- Banking-as-a-Service (BaaS) Sponsor Banking Infrastructure Sponsor bank infrastructure enabling fintech companies and financial institutions to offer embedded banking products, including deposit accounts, card programs, and payment services. CBW Bank absorbs regulatory, BSA/AML, and compliance onboarding responsibilities for partner fintechs.
Quantifiable outcome
- Settlement available on weekends and holidays outside traditional banking hours
- +2 more outcomes
Companies that use CBW Bank
Customer profileSegments1 record
Ideal customer profiles1 record
CBW Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature2 records
CBW Bank partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered flagship and minor.
- MastercardflagshipCBW Bank is among the first participants in Mastercard's expanded settlement capabilities, enabling issuers and acquirers to settle card transactions using regulated stablecoins including USDC, PYUSD, USDG, USDP, RLUSD, and SoFiUSD. The partnership supports settlement across blockchain networks including Arbitrum, Base, Canton, Ethereum, Polygon, Solana, Tempo, and XRPL, with first deployments in the United States and Latin America expanding through 2026.
- BaaS Industry Participants (Synapse, Bond)minorCBW Bank operates within the broader BaaS ecosystem alongside infrastructure providers including Synapse (which filed for bankruptcy amid disputes over missing customer funds) and Bond (acquired by FIS). These relationships are contextual rather than active partnerships.
Scale indicators1 record
Recent moves5 records
Expansion highlights3 records
CBW Bank competitors and assessment
Company assessmentEmerging players
- Ripple: Ripple issues RLUSD, one of the regulated stablecoins in CBW's settlement network, and operates the XRPL blockchain among those CBW supports. It is an emerging player that bridges payments and crypto infrastructure, overlapping with CBW's institutional settlement positioning.
- Paxos: Paxos issues PYUSD (PayPal's regulated stablecoin), one of the settlement assets supported on CBW's Mastercard integration. It is an emerging player with overlapping institutional stablecoin settlement ambitions.
- Circle: Circle is the issuer of USDC, one of the regulated stablecoins supported on CBW's Mastercard settlement integration. It is an emerging player with meaningful overlap because Circle's institutional settlement ambitions intersect directly with CBW's value proposition.
Direct peers
- Metropolitan Commercial Bank: Metropolitan Commercial Bank is a BaaS sponsor bank explicitly named alongside CBW Bank in the wave of BaaS regulatory enforcement actions. It is a direct comparable as a similarly-sized sponsor bank facing similar regulatory scrutiny.
- Evolve Bank & Trust: Evolve Bank & Trust is a BaaS sponsor bank that partnered with Synapse and was named alongside CBW in the BaaS regulatory enforcement actions. It is a direct comparable as a similarly-situated sponsor bank in the same regulatory cohort.
- Cross River Bank: Cross River is a leading BaaS sponsor bank that provides embedded banking infrastructure to fintechs. It is a direct comparable to CBW Bank in the BaaS sponsor bank category, with a deeper fintech roster and stronger technology brand.
- Linea Bank: Linea Bank is a BaaS sponsor bank named alongside CBW in the regulatory enforcement cohort. It is a direct comparable as a similarly-positioned sponsor bank serving fintech partnerships under heightened regulatory scrutiny.
- Blue Ridge Bank: Blue Ridge Bank is a BaaS sponsor bank explicitly named alongside CBW in the regulatory enforcement cohort. It is a direct comparable as a community-bank-origin sponsor bank facing the same compliance recalibration.
Broad incumbents
- Customers Bank: Customers Bank operates a large BaaS franchise through its BankMobile division and serves fintechs at greater scale than CBW. It is a broader incumbent comparable in the BaaS sponsor bank category with more diversified business lines.
- JPMorgan (Onyx/Kinexys): JPMorgan's Onyx/Kinexys division operates institutional blockchain-based settlement and tokenized deposit infrastructure. It is a broad incumbent that competes for the same institutional stablecoin settlement mandate CBW is pursuing, but at vastly greater scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
CBW Bank social profiles
Digital presenceCBW Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
CBW Bank leadership team
Management profileNumber of profiles
Profiles1 record
CBW Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CBW Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CBW Bank
What does CBW Bank do?
CBW Bank is a Banking-as-a-Service (BaaS) sponsor bank that provides banking infrastructure and embedded finance capabilities to fintech companies and financial institutions. Its flagship offering is participation in Mastercard's regulated stablecoin settlement network, enabling issuers and acquirers to settle card transactions using stablecoins such as USDC, PYUSD, USDG, USDP, RLUSD, and SoFiUSD across multiple blockchain networks, with intraday, weekend, and holiday settlement outside traditional banking hours.
Is CBW Bank a public or private company?
CBW Bank is a private company. It is classified as unknown and is currently operating.
When was CBW Bank founded?
CBW Bank was founded in 1892. It employs 11 to 50 people.
Where is CBW Bank based?
CBW Bank is headquartered in Weir, United States, in the North America region.
How does CBW Bank make money?
Two revenue lines are on record. BaaS Infrastructure Services are the primary driver. The others are stablecoin Settlement Transaction Fees.
Who are CBW Bank's main competitors?
Emerging players on record are Ripple, Paxos and Circle. Direct peers are Metropolitan Commercial Bank, Evolve Bank & Trust, Cross River Bank, Linea Bank and Blue Ridge Bank. Broad incumbents are Customers Bank and JPMorgan (Onyx/Kinexys).
Does CBW Bank have an API?
No public API is recorded for CBW Bank.
What industry is CBW Bank in?
CBW Bank's product category is Banking-as-a-Service (BaaS) Sponsor Banking. Its primary akta.pro industry code is FSAGALAA, BaaS Platforms & Sponsor Bank Enablement, with a secondary code of FSAPAIAJ, Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails). Its NAICS code is 5221 and its SIC code is 6021.